Tampa Uninsured Motorists
Owning a vehicle can be expensive. Not only are there monthly car payments, but also gas, maintenance, registration, and insurance. While insurance is a requirement, not all drivers purchase it.
In fact, Florida has the highest rate of uninsured motorists, at 26.7%. This means more than 1 in 4 drivers do not meet the minimum insurance requirements. However, without insurance, you cannot register your vehicle in the state. Plus, if you are caught driving without insurance, your driver’s license may be suspended for up to three years. You can also be fined up to $500.
Florida Insurance Requirements
Under Florida law, those who own a vehicle with at least four wheels must have $10,000 of personal injury protection (PIP) insurance as well as $10,000 of property damage liability insurance. Those are the minimum requirements and drivers can opt for more coverage if they desire. Florida is the only state that doesn’t require bodily injury liability insurance.
What Happens if I am Hit by an Uninsured Motorist?
If you are hit by an uninsured motorist, you may wonder what options you have. You should be able to recover compensation by doing one of the following:
Use your PIP insurance. Florida requires drivers to have personal injury protection (PIP), which pays for your medical bills, regardless of fault (up to $10,000). You must use it within 14 days after the accident. PIP pays 80% of medical expenses and 60% of lost wages. It also offers $5,000 in death benefits. PIP covers you, your household, and anyone who is allowed to drive your vehicle.
Use your uninsured motorist insurance. While uninsured motorist insurance is not required in Florida, it’s good to have, given the high rate of uninsured motorists in the state. If you have this coverage, your insurance company will pay for medical bills and other expenses. Uninsured motorist insurance can also be used for hit and run accidents, when the driver cannot be located.
File a lawsuit. If you don’t have uninsured motorist insurance or have too many expenses, suing the driver may be your only option. A lawsuit can reimburse you for medical bills, lost wages, and other damages you suffered in the accident. However, keep in mind that if a driver cannot afford auto insurance, then they likely have few assets. Getting them to pay up won’t be easy.
Contact Us Today
While auto insurance is required in Florida and almost all other states, many drivers fail to purchase it. One big reason is the cost, and while insurance premiums can be pricey, they offer protection in the event of a crash.
If you have been injured by an uninsured motorist, seek legal help right away. The Tampa personal injury lawyers at Anderson & Anderson can help you understand your legal options.
Get the compensation you need for your damages. Fill out the online form or call 813-251-0072 to schedule a free consultation today.